Best & Cheapest Minnesota Car Insurance as Rated by Customers in 2020
When shopping for a Minnesota car insurance company, you want to be sure you’re doing business with a company that effectively serves its policyholders. Clearsurance reviews for Minnesota car insurance companies allow you to read other people’s experiences and see which company is the best fit for you. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Minnesota. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Minnesota car insurance companies.
In the table above, you can sort through all the Minnesota car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Minnesota car insurance rankings.
Interested in learning more about one of these Minnesota car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.
On this page:
- Who offers the cheapest teen car insurance rates in Minnesota?
- Who offers the cheapest car insurance rates for a married couple in Minnesota?
- Who offers the cheapest senior car insurance rates in Minnesota?
- 10 Cheapest areas in Minnesota for car insurance
- 10 Most expensive areas in Minnesota for car insurance
- Minimum car insurance coverage and limits in Minnesota
- Minnesota’s uninsured motorists percentage
Who offers the cheapest teen car insurance rates in Minnesota?
Out of the five largest car insurance companies in Minnesota, Allstate is the cheapest car insurance option for both male and female teen drivers on average.
| Company | Female teen rates | Male teen rates |
|---|---|---|
| Allstate Insurance | $860 | $778 |
| American Family Insurance | $1,178 | $1,161 |
| Auto-Owners Insurance Group | $985 | $1,091 |
| Farmers Insurance Group | $4,358 | $4,080 |
| State Farm Insurance Company | $966 | $1,053 |
These rates are based on profiles for 18-year-old male and female drivers in Minnesota. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Minnesota will differ. Rate data is provided by Quadrant Information Services.
Who offers the cheapest car insurance rates for a married couple in Minnesota?
Out of five of the most popular Minnesota car insurance companies, Farmers Insurance Group offers the cheapest car insurance rates for married couples in Minnesota on average. The table below displays average Minnesota car insurance rates for a married couple with two cars on a policy from the five companies.
| Company | Married couple rates |
|---|---|
| Allstate Insurance | $2,383 |
| American Family Insurance | $1,580 |
| Auto-Owners Insurance Group | $2,124 |
| Farmers Insurance Group | $1,414 |
| State Farm Insurance Company | $1,743 |
These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Minnesota will differ. Rate data is provided by Quadrant Information Services.
Who offers the cheapest senior car insurance rates in Minnesota?
Among the five largest companies in the state, State Farm provides the cheapest car insurance rates for male and female senior drivers in Minnesota on average.
| Company | Female senior rates | Male senior rates |
|---|---|---|
| Allstate Insurance | $1,463 | $1,463 |
| American Family Insurance | $841 | $841 |
| Auto-Owners Insurance Group | $1,104 | $1,104 |
| Farmers Insurance Group | $827 | $941 |
| State Farm Insurance Company | $800 | $800 |
These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Minnesota will differ. Rate data is provided by Quadrant Information Services.
10 Cheapest areas in Minnesota for car insurance
Car insurance rates in Minnesota vary significantly based on the city and neighborhood you live in. On average, the cheapest car insurance can be found in the city of Granada. In the table below, you can see the top 10 cheapest areas in Minnesota for car insurance based on average rates for single adults.
| Area | Car insurance rates |
|---|---|
| Granada | $1,409 |
| Welcome | $1,410 |
| Fairmont | $1,410 |
| Truman | $1,412 |
| Hanska | $1,413 |
| New Ulm | $1,415 |
| Winnebago | $1,416 |
| Butterfield | $1,416 |
| Elmore | $1,417 |
| Saint James | $1,418 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Minnesota will differ. Rate data is provided by Quadrant Information Services.
10 Most expensive areas in Minnesota for car insurance
Car insurance in Minnesota can be more expensive in some areas of the state because of different crime rates and frequency of accidents or other claims. The most expensive area for car insurance in Minnesota is Minneapolis followed by Saint Paul. The table below displays the top 10 most expensive areas in Minnesota for car insurance based on average rates for a single adult.
| Area | Car insurance rates |
|---|---|
| Minneapolis | $1,829 |
| Saint Paul | $1,821 |
| Lake George | $1,803 |
| Laporte | $1,786 |
| Stacy | $1,765 |
| Isanti | $1,758 |
| Max | $1,757 |
| Saint Francis | $1,756 |
| Bethel | $1,756 |
| Benedict | $1,752 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Minnesota will differ. Rate data is provided by Quadrant Information Services.
Minimum car insurance coverage and limits in Minnesota
Minnesota requires drivers to have a minimum of four different car insurance coverages: liability, personal injury protection (PIP), uninsured motorist and underinsured motorist. These requirements are more extensive than in many other states, but having these different coverages will help better protect you financially in the event of an accident.
We’ve listed the minimum limits set by the state below, but it’s important to consider buying higher limits. It’s likely that these minimums would not be enough to cover all the costs associated with a serious accident.
Personal injury protection will pay for both your medical bills and loss of income resulting from an accident, regardless of fault. This coverage also protects members of your household if they are injured in an accident, and protects you if you’re a passenger in another driver’s vehicle. Likewise, any passengers in your vehicle that aren’t members of your household will be covered by their own PIP.
The required coverages in Minnesota are fairly extensive, and will help protect you from injuries that you or other passengers sustain in an accident, or damage that you cause to another person’s property. But you will not have protection for your own vehicle in an at-fault accident or from any non-accident damages, such as hail or theft. That’s why you should consider purchasing collision insurance and comprehensive coverage.
Minnesota state minimum requirements:
Liability:
- Bodily injury — $30,000 per person
- Bodily injury — $60,000 per accident
- Property damage — $10,000 per accident
Personal injury protection:
- Medical expenses — $20,000 per person
- Loss of income — $20,000 per person
Bodily injury caused by an uninsured/underinsured motorist:
- $25,000 per person
- $50,000 per accident
Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.
Minnesota’s uninsured motorist percentage
Minnesota does require drivers to carry both uninsured motorist and underinsured motorist coverage. Underinsured motorist coverage will help pay for any injury-related costs that are above the other driver’s bodily injury liability and your own PIP. So if you’re hit by a driver who doesn’t have adequate limits, this coverage will offset those costs.
The uninsured motorist coverage protects you from any injury-related costs in an accident caused by a driver without insurance. In Minnesota, 11.5 percent of drivers are without insurance, which ranks 27th nationally, according to 2015 data from the Insurance Information Institute.
How car insurance rates are calculated in Minnesota
When searching and comparing quotes from the best auto insurance companies in Minnesota, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Your driving record
- How much you drive
- Location
- Age
- Marital status
- Gender
- Your car’s make, model and year
- Your credit history
- Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.
How to save money on your car insurance in Minnesota
At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Minnesota car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.
Here are six ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies
- Consider raising your deductibles
- Pay your car insurance policy in full
- Try usage-based car insurance
- Monitor price changes to your policy
- Shop for better insurance rates
How Clearsurance rates and ranks the best car insurance companies in Minnesota
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Price
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.
Car insurance guide
Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.